Privacy Policy

(a) Website Disclaimer

If you do not agree to be bound by the Terms set out below, you should not use this website.

Definitions:

The following words have the following meanings:

“Terms” means these terms and conditions;
“Product Provider” means any lender, broker and administration provider, or
any other financial institution;
“Us/Our” means Fair Investment Company Limited;
“You” means the user of the website.

Copyright Trademark and site content

You acknowledge and accept that all copyright, trademarks and all other intellectual property rights in all material or content provided as part of the website belong to a Product Provider or us. You may download material from this site for your use only. No right, title or interest in any downloaded
materials is transferred to you by such downloading. Any other use of the material and content of the website is strictly prohibited, and you agree not to copy, reproduce, transmit, publish, display, distribute,
commercially exploit or create derivative works of such material except to apply for shares or with our written consent.

Our Liability to you

While we will use all reasonable endeavours to ensure the accuracy of any information placed on the website, we make no representations or give any warranties concerning this site or its contents, and we disclaim all representations, except where fraudulently made, and warranties. In addition, we make no representations or warranties about the accuracy or information on this website. The information provided to you in connection with the products is provided by the Product Providers, and you acknowledge that we have no liability to you concerning the accuracy of such information. As we rely on the information given to us by third parties, there may be a time delay in keeping that information up to date. You should therefore check the accuracy of the information. These disclaimers do not attempt to disclaim liability for matters that cannot be excluded under applicable English law.

We make no warranty that the website will meet your requirements or will be uninterrupted, timely, secure or error-free, that defects will be corrected, or that the site or the server that makes it available is free of viruses or bugs or represents the full functionality, accuracy or reliability of the materials. We will
not be liable to you for any loss of content or material uploaded or transmitted through the website.

We cannot guarantee that a Product Provider can provide a funding solution at any time. We do not accept any liability in the event of withdrawal of any offering of a loan or for rejection of your application by the Product Provider for any reason whatsoever. Neither we nor any of our directors, agents or employees will be liable for damages arising out of or in connection with your use of this site. This is a comprehensive limitation of liability that applies to all damages of any kind, including, without limitation, compensatory, direct, indirect or consequential damages, loss of data, income or profit, loss or damage to property and claims of third parties. We do not exclude any liability for death or personal injury resulting from our negligence or that of our directors, agents or employees. This website is designed to provide you with general information only. It does not attempt to give you advice on any particular loan or recommend any particular product.

Indemnity

In using this website, we require that you abide by these Terms. If you fail to abide by them, and this failure causes us to suffer a claim, action, liability, or loss because of your failure to abide by these Terms, you agree to indemnify us, on demand, for all costs and expenses, including legal fees, which arise out of your failure to abide by these Terms.

Our Rights

We reserve the right at any time to modify or withdraw, temporarily or permanently, the website or any part of it without notice to you. We will not be liable to you in any way for any modification or withdrawal of the website. We also reserve the right to modify these Terms without reference to you.

We reserve the right to refuse to process a transaction for any reason. We will not be liable to you or any third party because of our failure to process a transaction.

By making an application for any investment or insurance, you expressly authorise us to transmit information or to obtain information about you from third parties from time to time, including but not limited to your credit reports, to authenticate your identity.

Third-Party Links

If there are third-party links to other websites for your convenience, you acknowledge and agree that we are not responsible for the availability or functionality of such external sites. We do not endorse the content of any external sites. We are not responsible or liable, directly or indirectly, for any loss caused to you by your use of any external site.

Miscellaneous

The information on this website is for residents of the UK only. We shall not be liable to you where the performance of any of our obligations to you is prevented, frustrated or impeded by any circumstance or cause beyond our control.

If any part of these Terms is unenforceable as a matter of law, all other parts of these Terms shall not be affected and remain in force. These Terms shall be governed by and construed under English law, and the English courts shall have jurisdiction over any disputes between us.

(b) Privacy Statement

Fair Investment Company Limited Ltd takes the issue of privacy very seriously. This statement sets out our practice concerning data processing.

What data do we hold about You?

This website is provided by Fair Investment Company Limited (“FIC”) to help you source finance products to meet your individual or Company needs. To do this, we may obtain certain information from you about your personal and financial circumstances. The information you give us will then be passed to potential product providers, who will use that information and respond with the terms they are prepared to offer.

How do we use your data?

The nature of our service means that depending on your enquiry, we have to share your data with our partners, who provide the products and services you request. For example, after completing our enquiry form, your details will be passed on to the relevant partner concerned to fulfil your request.

What are “cookies”, and how do we use them?

For each new visitor to the website, we automatically log certain information about how you are using our website. If your computer browser is set up to accept them, we use a feature known as a “cookie”, which contains information stored on your computer hard drive for record-keeping purposes.

Cookies allow us to make our website more useful based on stored information about your preferences when you visit our website. If you do not wish for information to be recorded this way, you can configure your browser to refuse cookies or notify you when you have received one. You can do this, for example, on Internet Explorer by clicking “Tools”, go to “Internet Options”, go to the “Privacy” tab and selecting “Block” for “first party cookies” and then “Block” again for “third party cookies”, and un-check always allow session cookies”.

We use Google Analytics to analyse visitor behaviour on our website. This analytical system generates visitor behaviour data using cookies stored on users’ computers. The information generated relating to our website is used to create reports internally by the Company. Google stores this information. For further information about Google’s privacy policy, go to http://www.google.com/policies/privacy/

Where is your data stored?

Fair Investment Company Ltd is the registered data controller of your data for the purposes of the Data Protection Act 1998. All personal data you provide is held securely and in confidence by us in our computerized records. You have the right to inspect the data we hold about you at any time. If you wish to do so, please write to us at:

Fair Investment Company Limited
Kings House,
14 Orchard Street,
Bristol,
BS1 5EH